Banks still need to make up $12 billion of income lost to
regulation getting rid of overdraft fees and lowering the cost of
debit card swipe fees. To do that, they need to raise $15-$20
more per depositor.

Here's a run down of what you should expect:

Bank of America is charging $5 to
replace a lost debit card, and $20 if you want rushed delivery.

Bank of America raised the fee to use a MyAccess checking
account by more than $3 a month earlier this year.

Citigroup upped the monthly fee to use its basic account from
$8 to $10 a month.

Chase raised the monthly fee to use its basic checking
account to $12.

It costs banks $200-$300 to maintain one checking account. And
because of regulation and the fact that Americans have less money
in general, they're collecting about half the money they used to
from account holders.

Not only that, but they're paying good savers less money for
their good habits
(via NYT).

The average interest rate for deposits has fallen to 0.74 percent
from 0.8 percent during the first six months of this year,
according to Market Rates Insight. Most consumers barely notice,
but it translates into real money — about $1.5 billion a
month in savings industrywide.